Consider how the current market is standing. An all time forclosure market. Food prices continue to rise, with less care of preparation. The stock market is even a bigger risk. It could be twenty to twentyfive years before the state of this economy changes. People are continuing to lose their jobs. The cost for precription drugs for everyone is very high even if you have a medical precription card. Children are left home for hours without parents who are in large cases needed to work two or three jobs just to provide a living. The high Gas prices are about to change the entire transportation industry. Its a proven fact that disposable income is not what it was even a year ago. We can't continue to aford to finance anything any more. This is why the home based business continues to grow at large proportions.